Personal Insurance

Home and Contents Insurance

It goes without saying that your home and contents insurance policy should be as unique as you are! Whether you have lived in your home for 5 months or 5 years, it is vital that you ensure that you are covered adequately.  We can source the best options for you and still offer very competitive prices.

Car, Caravan and Trailer Insurance

Shopping for insurance can be a confusing process and price isn’t the only thing that you may want to consider. In a crowded market, you need an insurance company that understands you, that will ask the right questions to get to know you better and will make sure that you get the best policy that suits your individual needs. If you’re interested in quality cover for your car, caravan or trailer, we are the people to speak to.

Landlord / Investor Insurance

With investment properties forming a large part of your retirement nest egg, you need to treat the protection of this asset seriously. Landlord Insurance is essential for all investment properties, covering you for loss of rent, tenant-related losses and malicious damage, offering you peace of mind.

Travel Insurance

Travelling either overseas or domestically can at times be stressful if the unforeseen happens and plans are thrown into disarray. Ensure peace of mind of knowing that you will be taken care of should anything go wrong whilst you are away. Our international travel insurance plans give you the choice of cover for overseas medical expenses, cancellations, rental car insurance excess, luggage and personal effects, and more.

Boat / Pleasure Craft / Marine Insurance

Whether you’re fishing, cruising, relaxing, just spending time with family and friends or a commercial Abalone diver battling the savage West Coast of Tasmania, we know there’s nothing quite like being out on your boat. But while boating is always a lot of fun, having the proper cover while you’re out on the water will leave you with nothing more to worry about than whether the seagulls are going to steal your sandwiches.

Strata Title Insurance

Did you know that if your property is Strata Titled, a normal home & contents policy is not going to provide you the protection you need and potentially leave you very exposed? Finding a strata title insurance product that provides comprehensive cover can be a problem, but with Zoteria Insurance Group this can be a breeze. Whether it is a residential or commercial insurance we have you covered.

Business Insurance

Trade / Contract Work

We may not be able to tell the difference between a floor flange, a fingerplate, alternating current or cold cranking amps, but we do know a lot about insurance for tradies. So while you get on with the job, we’ll worry about the ‘what ifs’. If you own, run or manage any type of construction site, big or small, you’ve got more important things to do than worry about what’s the best insurance solution for your needs. That’s our job. We can tailor an insurance solution that’s right for you and your business – everything from a one-off policy for a specific project through to annual policies covering multiple projects and sites Australia-wide.

Liability

If you’re running any sort of business – large or small – you’ve got enough on your plate without the added worry of a member of the general public being injured or their property damaged. Public Liability Insurance is the best way to protect you against the risk of someone being injured, or having their property damaged as a result of your activities – regardless of who’s at fault.

Workers Compensation

They’re working, you want to know they’ll be well looked after – for their sake and yours. Workers Compensation Insurance is compulsory for all employers but it’s important to understand that health and safety requirements vary from state to state. We experienced in helping you meet your obligations regardless of your business size and type. *Applicable in NSW, ACT, Tasmania, Western Australia and Northern Territory only.

Commercial Motor

If your business depends on a reliable set of wheels – be it a zippy hatch, a trusty ute or a light truck – you want to know it’s protected both on and off the road. While we can’t put fuel in the tank or air in the tyres, our commercial motor insurance solutions are designed to take the worry out of running a single work vehicle or a fleet of vehicles.

Farm & Rural

If your business is farming, we understand it’s more than just a livelihood – it’s your life. We can’t control the elements or market price fluctuations, but we can provide the flexibility and options to deal with many of the ‘uncontrollables’ that can stop you in your tracks – including machinery breakdowns or loss of feed and stock. We can work with you to design a flexible Farm Insurance solution that’s tailored for you and your farm. That includes providing convenient payment options and a fast and easy claims service. So if the wind suddenly changes and the heavens open, you can get back to the land as quickly as possible.

Marine Cargo

Marine Cargo Insurance is essential for protection of your valuable import or export cargo whilst in transit. With access to policies that give you the most flexible shipping and transport protection covers on the market today. If your transporting anything by road, rail, air and sea we can Cover you for physical loss or damage caused to insured goods whilst being transported.

Professional Insurances

Professional Indemnity

If you’re in the business of providing professional advice, you might like to take some professional advice from us – just so you don’t lose sleep worrying about some of the things that are beyond your control. While we can’t dot every ‘i’ or cross every ‘t’ for you, we can arrange Professional Indemnity Insurance to protect you, your employees and your business against claims arising from alleged errors and omissions in the execution of your professional duty.

Management Liability

Management Liability Insurance is a vital component in any private company’s insurance portfolio. It’s a known fact that many private Australian companies continue to operate unaware of serious gaps in their cover for management-related risks. All too often protection in this area is ignored, leaving not only the directors and officers exposed, but also the company itself. Management Liability Insurance is specifically tailored to protect private companies and their directors. It’s more comprehensive than traditional directors and officers insurance as it protects both the financial wellbeing of the company and the personal wealth of its directors and officers.

Medical Malpractice

Operating a business in the medical field can be complex and challenging. Claims against medical centres, clinics and day surgeries can happen no matter how high the level of care. We understand the unique risks faced by healthcare establishments and have a medical malpractice insurance policies that are deal for these businesses.